Stock Ratings / Financials / SFNC / financials

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Simmons First National Corporation (Class A) (SFNC) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$23.37 +1.30% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $23.38

Simmons First National Corporation (Class A) (SFNC) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $3.38B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $23.38 (+0.04%)🧬 Cannibal Buyback (-0.68% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 10.3% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for SFNC)Realized 20D OHLCV Swing Band: ±4.4%

Deterministic 5-Pillar Attribution (60/100 Composite)

🔍 WHY SFNC SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (27% of score)

FRED Regime × Technicals: 87% of 52W Range • RSI-14 at 55.9 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Whale & Options Positioning+14/20 pts (23% of score)

20D Institutional Volume Accumulation (±4.4% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution10/20 pts (-10 pt drag)

Cannibal Buyback (-0.68% YoY Shares) & executive Form 4 sales trim 10 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$22.18-0.5% Next Q

Q2 (-2Q)

Grade C$22.07+5.6% Next Q

Q3 (-1Q)

Grade C$23.31+0.3% Next Q

Current

Grade C-$23.37+0.4% Hist 90D α

Trajectory: C- (52) → C- (60)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the SFNC Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, SFNC faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Company executives have done more routine share selling than personal cash buying lately.

⚠️ Forensic Kill-Switch #2

Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($22.80) or 200D SMA ($21.73) invalidates the momentum regime and cuts Target Base ($23.58) toward Bear Floor ($18.39).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $SFNC• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “SFNC Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 60%NO 40%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How SFNC Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$411.4M (10.3% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	-$379.6M	$411.4M	-11.1%
FY 2024	$4.00B	52%	0%	$152.7M	$380.4M	-11.1%
FY 2023	$4.00B	52%	0%	$175.1M	$541.0M	-11.1%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring SFNC)

✓Walkthrough of SFNC's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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SFNC // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +9.92%📐 HORIZONTAL RANGE

2026-10-30O $23.43H $23.45L $23.02C $23.37VOL 1.38M

RES: $24.08SUP: $21.62SMA50: $22.80SMA200: $21.73

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

SFNC Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 SFNC Butterfly Map → + Track SFNC →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on SFNC today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for SFNC. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for SFNC today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (SFNC)

Financials Rank #485 of 1096 ⚔️ CBU vs SFNC Full Matrix →

1. Head-to-Head Financials Peer Comparison (SFNC vs. CBU, FFBC, PRK, MCHB)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Simmons First National Corporation (Class A) (SFNC) ranks #485 by composite RQD confidence (60/100, grade C-) and #337 by equity capitalization ($3.38B). Within this direct 5-issuer industry benchmark cohort, MCHB leads on earnings valuation at 12.2x trailing P/E, while PRK leads on capital efficiency and profitability with 13.3% ROIC and — gross margin. PRK currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with SFNC at 60/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
SFNC ACTIVE Simmons First National Corporation (Class A)	C-	60/100	—	—	-11.1%	+1.30%	$3.38B	Benchmark Subject
CBU Community Financial System Inc.	C	63/100	15.8x	—	10.5%	+0.96%	$3.33B	/cbu-vs-sfnc →
FFBC First Financial Bancorp.	C	64/100	—	—	0.0%	+0.34%	$3.45B	/ffbc-vs-sfnc →
PRK Park National Corporation	B	73/100	18.2x	—	13.3%	+1.53%	$3.27B	/prk-vs-sfnc →
MCHB Mechanics Bancorp (Class A)	D+	58/100	12.2x	—	9.3%	-1.81%	$3.23B	/mchb-vs-sfnc →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000090498

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Simmons First National Corporation (Class A) (SFNC) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of -$379.6M, operating cash flow of $449.5M, and free cash flow of $411.4M (+8.1% YoY). On the balance sheet, SFNC closed FY2025 with $24.54B in total assets against $335.0M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 3/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	-$379.6M	$449.5M	$411.4M	$24.54B	$335.0M
FY2024 (FY)	2024-12-31	$0	$152.7M	$425.9M	$380.4M	$26.88B	$386.7M
FY2023 (FY)	2023-12-31	$0	$175.1M	$541.0M	$541.0M	—	—

3. SFNC Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is SFNC stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Simmons First National Corporation (Class A) (NASDAQ: SFNC) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $23.37 (+1.30% 1D, market cap $3.38B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 10/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 10/20. Across 1096 tracked Financials issuers, SFNC ranks #485 in composite RQD confidence.

How does SFNC compare to CBU and FFBC in the Financials sector?

Within the Financials sector (Major Banks), SFNC carries a Roarable C- (60/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of -11.1%. By comparison, CBU (Community Financial System Inc.) holds a C grade (63/100 RQD, P/E 15.8x, ROIC 10.5%, cap $3.33B) and FFBC (First Financial Bancorp.) posts a C grade (64/100 RQD, P/E N/A, ROIC 0.0%, cap $3.45B). Among the 5-stock peer group, MCHB leads on earnings multiple (12.2x) while PRK leads on capital efficiency (13.3% ROIC).

What are the biggest fundamental strengths and SEC risk factors for SFNC?

Per SFNC's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000090498), Simmons First National Corporation (Class A) generated $0 in revenue, -$379.6M in net income, and $411.4M in free cash flow against $24.54B in total assets and $335.0M in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is SFNC trading relative to its 50-day, 200-day, and 52-week technical levels?

SFNC last traded at $23.37 (+1.30% on volume of 1,538,798 shares), positioning the stock +2.50% above its 50-day simple moving average ($22.80) and +7.55% above its 200-day simple moving average ($21.73). Across its 52-week range of $17.00 to $24.32, SFNC sits at the 87.0% percentile with a 14-day RSI of 55.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.4% ($22.34 to $24.40).

SFNC Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Simmons First National Corporation (Class A) (SFNC)?

In FY 2025 (10-K), SFNC converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $411.4M in free cash flow (10.3% FCF margin).

Direct Sub-Reports: SFNC RQD Cockpit SFNC 12M Forecast SFNC Earnings & Move SFNC Dividends & DRIP SFNC Insiders & 13F SFNC Whale Options SFNC Profit Sankey SFNC News & Why